Analyst, Early Career (Full Stack)

Affirm • San Francisco, NY

20h • Hybrid

About The Position

Affirm is hiring multiple Early Career Analyst I roles across its Risk & Analytics organization. Analysts will join one of several teams working across the customer and merchant lifecycle. Team placement will be determined based on candidates’ interests, experience, strengths, and business needs following a shared interview process. Potential teams include Point of Sale, Direct to Consumer/Card, Fraud, Core Analytics, Servicing and Payments, and International Expansion.

Analysts use data to understand business performance, identify opportunities, and help Affirm make better decisions. Under the guidance of senior analysts and managers, they execute scoped analytical work and learn the fundamentals of consumer lending. They use SQL, Python, and modern analytical tools to optimize business strategies, monitor performance, and turn complex data into actionable insights. The role offers an opportunity to develop a strong technical foundation, learn to navigate market changes, and use modern AI tooling to solve problems efficiently.

The early career program pairs analysts with a tenured Affirmer. During the first year, employees can collaborate in person three days a week from the New York City or San Francisco offices while working in a hybrid arrangement. After one year, they can remain hybrid, work remotely, or stay in an office. Affirm describes itself as a remote-first company, with most roles able to be performed from almost anywhere within the country of employment. New hires are invited to attend in-person onboarding.

The role is open to candidates currently pursuing a Bachelor’s degree or higher who expect to complete their most recent full-time degree program by August 2027 or earlier. Relevant internships or prior experience in consumer lending, fintech, or financial services are highly valued. A degree in a quantitative field is preferred. The USA base pay range for California or New York is $115,000 per year. Compensation may also include monthly health, wellness, and technology stipends, benefits, and potential equity rewards.

Requirements

• Currently pursuing a Bachelor’s degree or higher, with expected completion of the most recent full-time degree program by August 2027 or earlier.
• Working knowledge of SQL, Python, or other scripting languages.
• Familiarity with data mining, data visualization, and foundational statistical modeling.
• Exceptional communication skills, humility, and ability to collaborate effectively.

Nice To Haves

• Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math, or a related quantitative field.
• Relevant internships or prior experience in consumer lending, fintech, or broader financial services.
• Basic understanding of, or deep curiosity about, consumer lending regulations and fair lending principles.
• Interest in how machine learning techniques apply to real-world business problems.

Responsibilities

• Use data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
• Assist in tracking performance metrics, user behavior, and macroeconomic trends that affect business outcomes, and flag risks and anomalies to senior team members.
• Write clean, working SQL and Python to build scalable reporting.
• Partner with Engineering to support deployment of machine learning and risk models.
• Work with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, and assist in translating them into foundational data models and operational policies.
• Support cross-functional discussions to ensure new product launches and market entries align with operational capabilities and risk appetite.
• Integrate AI tools such as Cursor, Claude Code, and copilots into daily workflows to accelerate data mining and routine tasks, while verifying their outputs.

Benefits

• 100% subsidized medical coverage for employees and dependents.
• Dental and vision coverage for employees and dependents.
• Monthly stipends for technology, health, and wellness spending.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) allowing employees to buy Affirm stock at a discount.
• Employees may be eligible for equity rewards offered by Affirm Holdings, Inc.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level